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Business Profile

No License Required Financial Consultants

360 Credit Consulting

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in No License Required Financial Consultants.

Complaints

Customer Complaints Summary

  • 3 total complaints in the last 3 years.
  • 0 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/07/2022

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My husband and I started as clients for 360 Credit in the beginning of this year. They charged us a start up fee of approx. $100 each. and a regular monthly fee of $109 within approx 10 days. ( each). We have now spent approx $1500 in total and have Not seen any results! I have tried cancelling 3 different times, and each time I was promised I was going to see results if I were to hang in there a little longer. And that I was too close To the finish line to give up now. I was told that if I cancel now, I would have wasted all the money I had already spent. After 3 months of this I insisted on cancelling in September. They have continued to harass me, and this morning they debited $218 out of my checking account. Then had a guy call me to ask if I wanted to discuss canceling! This is a risky company. I wish I had Not gotten involved with them! This company is a complete scam! I do Not recommend them. And I am requesting they refund the $218 they took from me today without my authorization. ( 2 months after my cancellation)

    Business Response

    Date: 11/22/2022

    Hello *****************,  

    I would like to begin by apologizing if you did not have a positive experience with 360 Credit Consulting. As a small business we do suffer greatly when our clients are not entirely satisfied.  

    As this is a public response I do not want to go into great detail regarding the status of your file, however what I can tell you is that while you were with us in the program your credit score did increase. Our team advised you and educated you and that is the service that we provide is credit education as well.  

    As a small business we cannot do work if we are not getting paid to do so, if you do not make your payments then we cannot be expected to do work on your file.  

    My team would be happy to discuss your file further with you as we have been trying to reach out to make things right with you.  

    I do hope you take a moment to give us a call so we can straighten everything out.  

    I thank you for the feedback as it gives us an opportunity to better ourselves and our program!  

    Thank you,  

    Your 360 Credit Team 

  • Initial Complaint

    Date:10/03/2022

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    After speaking to several people at 360 Credit on a referral from our mortgage officer we decided to heed the advice and use their services. They charged us $119 each up front, which I now understand is illegal. 360 Credit has yet to provide any proof that they are working on our credit after repeated phone calls and emails. They have now debited our account $952. I emailed and called on 9-30-22 at **** MST to cancel my billing. I received no response after leaving a message. I sent an email at the same time as well. No response. Today, 10-2-22 my account was debited $238. This company has very poor practices.

    Business Response

    Date: 10/18/2022

    Good Evening ****************,

        I am sorry we missed you. We tried reach out via phone and email. Unfortunately your line would not allow us to leave a message, And no response to our emails to set up a time to address your concerns.  You had requested to close your file out on the 8th of September. Per our policy one of our SR ****** reached out to go over a final file review.  That chat resulted in your wanting to continue the program. A new plan of action and task list was set to you via email along with conformation of continuing. Despite the new plan of action and wanting to move froward you did call back and still want to close the file our later that evening.  We did accommodate your request and close the file out. Sending you a cancellation conformation via email stating that your last billing would be assessed on 10/2/2022 for 9/2/2022 work. Per you signed retainer agreement (attached) you are aware we do bill in arrears.  Your file is now closed out in good standing. Please feel free to contact us with any additional questions.


    Thank you,
    360 Credit Consulting Team.

  • Initial Complaint

    Date:09/27/2022

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hired this Company to assist with 2 issues they specifically stated they'd help with. Yet never did and only made it worse. I sent MANY emails I will attach with NO response, no assistance, yet they kept charging. I've requested to cancel my account for 2 months now yet still no response and still charging me. They only call once you request to cancel but still never answered any of my questions or did anything they said they would. They keep charging me for nothing! They are scammers. I will attach my many unanswered emails and requests to cancel. Horrible company that takes advantage of people. Additionally following attempting to cancel tried to Take credit for what i did for my credit and informed them I had chosen to do on our first call. They werw hired to assist w 2 specific questiosn/concerns and never assisted with them as promised then refused to cancel.

    Customer Answer

    Date: 09/28/2022

    Better Business Bureau:


    I have heard from upper management at 360 consulting and they adequately resolved the issue.


    Regards,

    ***********************

360 Credit Consulting is NOT a BBB Accredited Business.

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